Jiang Dingzhi: Fundamentally, The Financing Of Smes Must Rely On Institutional Arrangements.

Deputy to the National People's Congress, deputy secretary of the Hainan provincial Party committee and governor Jiang

Jiang Dingzhi pointed out that for example, if the government wants to subsidize, the government should have a dedicated support fund.

More importantly, there should be specialized banks to do services for SMEs. There are institutions in this area, with products in this area, and pricing mechanisms in this area.

On the other hand, from the perspective of our enterprises, small and medium-sized enterprises should also have their own integrity. Its financial situation is sound and its business quality is good.

A lot of small and medium-sized enterprises are practical and realistic. They also do not have reports or account books. The basic conditions for obtaining financial support from banks and financial institutions are also not available. This is also true. Therefore, this problem is manifold.

The following is an interview:

Reporter: Excuse me.

Jiang Dingzhi: I have been in the bank for so many years, and I haven't found a very effective solution.

The financial services and financing problems of small and medium enterprises, especially small and micro enterprises, are a real problem that has been troubling us all the time.

Moreover, this problem is not only a problem in China. It is a difficult problem in the world. Therefore, in solving the problem of small and medium enterprises financing, this problem can only be alleviated, and it can alleviate the financing difficulties of SMEs continuously, but it can not solve the financing difficulties of SMEs.

To fundamentally solve the problem of financing difficulties for small and medium-sized enterprises, we also need some policy and institutional arrangements of our government, the efforts of banks and financial institutions themselves, the operating conditions of small and medium-sized enterprises themselves and all aspects of factors to get a better solution to this problem.

For example, if the government wants to subsidize, the government should have a dedicated support fund.

Banks should not only close to the "big money", the so-called "big money" is a large group, large enterprises, more importantly, there are specialized banks to do the services of SMEs. There are institutions in this area, there are products in this area, there are pricing mechanisms in this area.

On the other hand, from the perspective of our enterprises, small and medium-sized enterprises should also have their own integrity. Its financial situation is sound and its business quality is good.

A lot of small and medium-sized enterprises are practical and realistic. They also do not have reports or account books. The basic conditions for obtaining financial support from banks and financial institutions are also not available. This is also true. Therefore, this problem is manifold.

Reporter: so for development.

Jiang Dingzhi: you need to be more professional.

The five largest banks now have financial financing institutions, including small and medium-sized enterprises, including private enterprises, and have specialized service organizations.

Moreover, the big banks are constantly upgrading their small businesses, small businesses, private enterprises and small businesses. I have worked in this field in the past, and I understand that.

Some private banks such as Minsheng Bank, a joint stock bank, serve small and medium-sized enterprises and serve private enterprises. In fact, they are more flexible and more advanced in terms of arrangement and system design. Therefore, its positioning, like Minsheng Bank, is always optimistic about its detailed division of labor on the market. An important aspect is determined by small and medium-sized enterprises, and small and micro enterprises and private enterprises are related to their market positioning.